I can't see what's missing,if anything it looks like I'm getting more as I didn't have a rider for personal items with BoatUS. The only thing I see that I may want to change is the medical payments as it's currently at $5K/person. Anyone have any thoughts on that?

$5000 is medical is NOTHING. My ambulance ride was $1800 - they started and IV and took blood pressure. My son who rode along with us (they took his blood pressure and he sat in a seat) and went to the same hospital, was an additional $850. $5k would go really quickly.